After a wave of rapid rise years ago, the market almost retreated all the previous gains after 2008. So are we novices' lying flat' or' buying more as we fall'? Bian Xiao compiled here what to do if the fund buys at a "high point" for your reference. I hope everyone will gain something in the reading process!

Reaction in investment is more important than prediction. Instead of predicting short-term ups and downs like flipping a coin, it is better to think about appropriate coping strategies when various market situations arise. What about the short-term market correction after buying? Is it simply to keep the foundation rising, or can we consider buying more and reducing costs?

We will backtest the historical data to see the effect of "holding the base up" and "insisting on fixed investment" after buying the quilt cover.

How long will it take to get back to its original state?

In this case, some investors will choose to wait and wait for the market to slowly pull back until it returns to its original value. We use the partial stock fund index to do a set of calculations on historical data. Check the historical data of 10 since the establishment of the partial stock fund index in 2008, and calculate the return time after the annual high point.

Suppose you enter the market at a high point in the year, buy 6.5438+0 million yuan, and hold the base back for a long time.

Regardless of redemption fees, management fees and other expenses, historical data does not represent the future, and fund investment needs to be cautious. In order to avoid extremely short-term disturbance, the return point refers to the time point at which the return state is maintained for at least 3 consecutive days.

It is found that in the case of a single investment, as long as you are willing to hold it for a long time, you will always return to your capital, but the return time is long and short, with an average return time of 25 months.

Of course, everyone is definitely not satisfied with returning to the capital, but also wants to get higher returns, so we further calculate the time required to finally hold more than 20% of the returns after buying at these relatively high points. The following table shows the calculation results, and it takes an average of 45 months to finally realize the 20% return.

Do not consider the application fee, management fee and other expenses; Historical data does not represent the future, and fund investment needs to be cautious.

Through the backtesting of historical data, it can be seen to some extent that in case of unfortunate buying at a short-term high point and patiently holding it for a long time, there is still a chance to return to the capital or even get positive returns. For investors, it is really anxious to look at the loss-making accounts for a long time, and always hope to find a better solution.

Solution mode:

1. Insist on fixed investment during the decline period and dilute the purchase cost.

Enter the market from a high point and buy 6,543,800 yuan. Combined with the actual business situation, it is assumed that the fixed investment at the end of each month will be 2000 yuan from the end of each month, and the return time will be calculated.

Do not consider the application fee, management fee and other expenses; Historical data does not represent the future, and fund investment needs to be cautious. Calculation method: fixed monthly investment: after purchasing 654.38 yuan+0,000 yuan from the month of admission, fixed monthly investment will be started at the end of the month, with an equal monthly investment of 2,000 yuan. The income here is calculated according to the fixed investment date every month, so the actual return may be earlier than the marked time, and this is the latest time.

2. From the calculation results, buying at a high point and continuing to make a fixed investment can speed up the return of capital after buying at a high point to a certain extent.

Especially in the late period of these relatively high points, such as 2008, 20 15, when there was a sharp correction in the market, it brought many opportunities to the fixed investment and the speed of withdrawing funds was relatively fast.

At the same time, we also calculated the time when the investment income exceeded 20% under the same conditions. The calculation shows that fixed investment can accelerate the speed of obtaining higher income to a certain extent.

Historical data does not represent the future, and fund investment needs to be cautious. Calculation method: fixed monthly investment: after purchasing 654.38 yuan+0,000 yuan from the month of admission, fixed monthly investment will be started at the end of that month, with an equal monthly investment of 2,000 yuan. The income here is calculated according to the fixed investment date every month, so the actual income may reach 20% earlier than the marked time, and this is the latest time.

3. Stick to the fixed investment and don't miss the opportunity brought by the smile curve.

From the back test of historical data, it is not only a good financial investment habit, but also easier for us to grasp the opportunities in the market. This investment method focuses on the long-term, so it is especially suitable for medium and long-term investments, such as children's education funds and pensions.

Many investors want to "wait a little longer" when facing the market downturn, especially the novice citizens. In the face of turbulent market, panic is inevitable. But the fact is, no one can accurately predict the bottom of the market, and implementing the fixed investment plan step by step may be a good choice for us to deal with market shocks.

As Graham said: Fixed investment can prevent investors from buying in large quantities at the wrong time.

Insist on fixed investment when the market falls, and it will be easier to turn the previous accumulation into income when the market rises.

To sum up, if you find yourself buying at a relatively high point after entering the market, you don't have to regret it. On the one hand, excellent managers have the opportunity to create medium-and long-term excess returns, on the other hand, they can insist on fixed investment when the market falls and dilute the cost of buying at a high level in the early stage.

Tip:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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